What AAA Insurance Offers
AAA insurance is a bundled package of policies offered through regional AAA clubs across the United States. The coverage spans auto, homeowners, renters, life, and motorcycle insurance, with availability varying by state and local club. Members access these policies through their AAA membership, which is typically required before any insurance application moves forward. The structure depends on the specific club licensing the products, so the exact terms differ from one region to another.
More from this site
Keep reading the latest coverage
The carrier behind many AAA insurance policies is a third-party insurer rather than AAA itself. For example, in some states Auto Club Group (ACG) underwrites the policies, while in others the product is placed with a licensed carrier on behalf of the club. Understanding this distinction matters when a member files a claim, because the claims process runs through the underwriting insurance company, even though the policy was purchased through AAA.
Auto Insurance Coverage Types
AAA auto insurance generally includes liability coverage, collision, comprehensive, uninsured motorist protection, and roadside assistance add-ons. Liability coverage pays for damage or injuries a member causes to others, while collision and comprehensive cover the member's own vehicle. Uninsured motorist coverage acts as a safety net when an at-fault driver lacks sufficient insurance. Members can typically adjust deductibles and limits to shape premiums, with higher deductibles lowering the monthly cost.
Roadside Assistance and Towing
A defining feature of AAA auto coverage is the inclusion or optional add-on of roadside assistance. This covers towing, jump-starts, flat-tire changes, fuel delivery, and lockout service. The number of towing miles and service calls varies by the specific plan a member selects, with some plans offering unlimited towing and others capping the benefit at a set number of incidents per year.
Home and Renters Insurance
AAA homeowners insurance covers the dwelling, personal property, liability, and additional living expenses if a home becomes uninhabitable. Policies typically include protection against fire, theft, vandalism, and certain weather events, with exclusions for floods and earthquakes in most standard plans. Renters insurance through AAA follows a similar structure, covering personal property and liability for tenants without dwelling coverage. Members should review the declared value of personal property carefully and consider scheduling high-value items separately.
Life Insurance Options
Some AAA clubs offer term and whole life insurance products. Term life provides coverage for a set period, such as 10, 20, or 30 years, and pays a death benefit to beneficiaries if the insured dies within that term. Whole life insurance builds cash value over time and covers the insured for their entire life, provided premiums are paid. Availability of life insurance depends on the regional club, and the underwriting is handled by the partnered carrier rather than AAA directly.
Cost and Membership Considerations
AAA insurance premiums depend on factors including the member's driving record, location, coverage limits, deductible selection, and the specific plan chosen. Membership in a AAA club is a prerequisite, with annual membership dues separate from insurance premiums. In some regions, members receive discounts on insurance simply by being enrolled, while in others the pricing is competitive with non-AAA providers. The bundle of insurance with roadside assistance can create value for members who already rely on AAA for travel services.
What AAA Insurance Does Not Cover
- Flood and earthquake damage in standard home and auto policies
- Commercial use of a vehicle not listed in the policy
- Intentional damage or illegal activity
- Wear and tear or mechanical failure without a relevant add-on
Filing a Claim
Members file claims through the underwriting carrier or via the AAA club's member services portal, depending on the region. The process typically requires documenting the incident with photos, police reports where applicable, and contact information for other parties involved. Processing times vary by the type and complexity of the claim, with straightforward auto claims often resolving faster than disputes over coverage limits or liability.
Is AAA Insurance Worth It
AAA insurance can be a strong fit for existing members who value the integration of roadside assistance, travel services, and insurance in a single membership. The worth depends on comparing the total cost of membership plus premiums against standalone policies from other carriers. Members should request a quote, review the specific policy contract, and confirm the claims-handling carrier before committing.